Business & finance tools / Expense tracker16 tools
Best expense trackers
Record spending and see where the money goes. Facts come from each tool's own pages, and every score says where it comes from. How we rank
- Tools
- 16
- Researched
- 11
- Free option
- 3
- Only listed
- 5
Ranked by signals we can measure or quote: website health, the facts each tool's own pages state, and community discussion. Nothing here has been hands-on tested yet, so this is not a quality test. How the signals rank works
Want two of these head to head? Compare tools side by side.
Details and sources
- Free tier
- The Essentials plan is available for $0 per user, per month. The page says: “Essentials . . . For startups and growing companies . . . $0 user/month . . . Try Brex for free.”
- Paid plan
- Not stated.
- Signup
- An account is required to use Brex. The page says: “Open an account.”
- Watermark
- Not stated.
- Where files go
- Not stated.
From the tool's own pages, checked 2026-11-08. Sources: Pricing. Prices and limits change; check the tool before you rely on them.
Read automatically by a program, not by a person. Each fact quotes the sentence it came from, and a fact is shown only if that sentence is on the page. Where a page did not say, it reads “Not stated.”
Details and sources
- Free tier
- No free plan stated. The page says 'Your first week is on us' but trial terms and limits are not stated.
- Paid plan
- Yearly subscription $99.99 billed yearly; monthly subscription $14.99 billed monthly. A Plus tier is mentioned but its price is not stated.
- Signup
- Not stated. The page links to sign-up and sign-in.
- Watermark
- Not applicable.
- Where files go
- Privacy policy names vendors (including OpenAI for AI features and Plaid, Finicity, Mx and Spinwheel for linked accounts) but does not say where data is stored or processed. Personal data is kept as long as needed to provide the service; no specific period stated.
From the tool's own pages, checked 2026-11-01. Sources: Monarch pricing, Monarch privacy. Prices and limits change; check the tool before you rely on them.
Details and sources
- Free tier
- Ramp Free plan at $0 per user per month: corporate card, travel and expense tools, accounts payable and receivable, basic banking, QuickBooks Online and Xero integrations. Unlimited virtual and physical cards.
- Paid plan
- Plus $15/user/month plus a platform fee based on team size; annual billing saves 20%. Plus has a free 30-day trial. Enterprise custom pricing, contact sales.
- Signup
- Signup by email is used for the free plan; whether an account is required is not stated.
- Watermark
- Not applicable.
- Where files go
- Not stated. The privacy policy page content returned did not include any policy text.
From the tool's own pages, checked 2026-11-01. Sources: Pricing. Prices and limits change; check the tool before you rely on them.
Details and sources
- Free tier
- Not stated.
- Paid plan
- Not stated.
- Signup
- Creating an account is required to use the services. The page says: “Create an account to use the Services, we may collect contact and registration information, such as your name and email address.”
- Watermark
- Not stated.
- Where files go
- The service collects and stores financial information, including connected bank accounts and transactions, which are integrated into the app. The page says: “We do not sell your Financial Information (as defined below) that you enter or integrate into the app, such as your connected bank accounts, financial transactions, balances, holdings, budgets, and goals.”
From the tool's own pages, checked 2026-11-08. Sources: Privacy. Prices and limits change; check the tool before you rely on them.
Read automatically by a program, not by a person. Each fact quotes the sentence it came from, and a fact is shown only if that sentence is on the page. Where a page did not say, it reads “Not stated.”
Details and sources
- Free tier
- Not stated. The pricing page lists no free plan.
- Paid plan
- Billed annually, per active user per month: Growth $11.99 (minimum 5 users), Business $14.99 (minimum 10 users), Enterprise custom for 250+ employees. Monthly-billing prices are not stated. Only active users are billed.
- Signup
- Not stated.
- Watermark
- Not applicable.
- Where files go
- Privacy notice says personal information and files, including backups, are stored on Sage Expense Management's servers and those of its service providers, and may be transferred across borders. Specific locations and retention periods are not stated.
From the tool's own pages, checked 2026-11-01. Sources: Fyle pricing, Fyle privacy policy. Prices and limits change; check the tool before you rely on them.
Details and sources
- Free tier
- Not stated.
- Paid plan
- Not stated.
- Signup
- An account is required to use the Empower Personal Dashboard. The page says: “If you have an Empower Personal Dashboard™ account, you may submit a request via a Personal Dashboard support ticket.”
- Watermark
- Not stated.
- Where files go
- Not stated.
From the tool's own pages, checked 2026-11-08. Sources: Privacy. Prices and limits change; check the tool before you rely on them.
Read automatically by a program, not by a person. Each fact quotes the sentence it came from, and a fact is shown only if that sentence is on the page. Where a page did not say, it reads “Not stated.”
Details and sources
- Free tier
- A Free plan at $0/month with no credit card required: 1 user, income and expense tracking, 3 reports, 2 invoices per month, 1 bank account connection, chat support. No mobile app or integrations. A 30-day free trial is also listed.
- Paid plan
- US page, in USD, billed monthly: Simple Start $38, Essentials $85, Plus $140, Advanced $340 per month. A 50% off for 3 months offer is shown, with terms not on the page. No annual contract. Prices for other countries are not shown.
- Signup
- Not stated.
- Watermark
- Not stated.
- Where files go
- Not stated.
From the tool's own pages, checked 2026-11-01. Sources: QuickBooks pricing, Intuit privacy. Prices and limits change; check the tool before you rely on them.
Details and sources
- Free tier
- Not stated.
- Paid plan
- Not stated.
- Signup
- Not stated.
- Watermark
- Not stated.
- Where files go
- Financial data is stored locally on the user's device and is not transmitted or stored on the company's servers. The page says: “Your financial data is stored locally on your device and is not transmitted or stored on our servers.”
From the tool's own pages, checked 2026-11-04. Sources: Privacy. Prices and limits change; check the tool before you rely on them.
Read automatically by a program, not by a person. Each fact quotes the sentence it came from, and a fact is shown only if that sentence is on the page. Where a page did not say, it reads “Not stated.”
Details and sources
- Free tier
- Not stated.
- Paid plan
- Emburse Professional offers three flexible packages for implementation. The page says: “With three flexible packages for smooth implementation , it offers an optimal expense management solution for improving expense reporting and oversight in financial management.”
- Signup
- A login is required to access Emburse Professional. The page says: “request a demo login to emburse professional.”
- Watermark
- Not stated.
- Where files go
- Not stated.
From the tool's own pages, checked 2026-11-08. Sources: Home. Prices and limits change; check the tool before you rely on them.
Read automatically by a program, not by a person. Each fact quotes the sentence it came from, and a fact is shown only if that sentence is on the page. Where a page did not say, it reads “Not stated.”
Details and sources
- Free tier
- Not stated.
- Paid plan
- Not stated.
- Signup
- Not stated.
- Watermark
- Not stated.
- Where files go
- Policy says Expensify is US-based and may host and process data in the US and other countries. For European users, submitted information is stored on secure servers in the US. Personal data is deleted as soon as practicably possible after you cancel, with legal exceptions.
From the tool's own pages, checked 2026-11-01. Sources: Privacy. Prices and limits change; check the tool before you rely on them.
Details and sources
- Free tier
- Not stated.
- Paid plan
- Not stated.
- Signup
- An account or signup is required to use Goodbudget. The page says: “SIGN UP FOR GOODBUDGET ›.”
- Watermark
- Not stated.
- Where files go
- User data is processed and stored on servers in the United States. The page says: “If you are a resident of any country outside the United States, you understand and agree that we store and process your personal information on computers located in the United States.”
From the tool's own pages, checked 2026-11-08. Sources: Privacy. Prices and limits change; check the tool before you rely on them.
Read automatically by a program, not by a person. Each fact quotes the sentence it came from, and a fact is shown only if that sentence is on the page. Where a page did not say, it reads “Not stated.”
Answers come from each tool's own pages (“Unclear” means they do not say). Tick “Compare” on two to four tools to read them side by side.
Also listed (5, not yet tested)
Each of these answered when we visited its site. We have not tested them or recorded facts, so they are in alphabetical order, not ranked.
- Firefly IIIOpen
Firefly III is listed for: expense tracker.
- PocketGuardOpen
Smart budget and expense tracker app that organizes your monthly bills, debts, and subscriptions into clear, beautiful tabs and graphs. Be on top of your finances.
- SpendeeOpen
Manage all your money with ease from one place with Spendee. Track your income and expenses, analyze your financial habits and stick to your budgets. Get Spendee now!
- Wallet by BudgetBakersOpen
Comprehensive financial management platform with Wallet for personal finance, Board for business finance, and ShareCost for group expenses.
- YNABOpen
Have you ever worried about money? You're not alone. Download YNAB, get good at money, and never worry about money again.
Other Business & finance tools rankings
Know a tool that should be here? Submit it.
Something wrong or out of date on this page? Tell us and we will fix it.